2005 Pontiac Grand Prix Insurance Quotes – 5 Tricks for Best Rates

Trying to find cheaper auto insurance rates for your Pontiac Grand Prix? No one in their right mind rejoices having to buy auto insurance, particularly when they are paying too much. Insurance companies such as Geico, Farmers Insurance and State Farm continually bombard you with catchy ads and it is difficult to separate fact from fiction and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. Finding affordable coverage is quite easy. Consumers only need an understanding of how to shop on the web.

Compare auto insurance quotes online

Most major insurance companies allow consumers to get insurance quotes from their websites. Getting online quotes is easy for anyone as all you need to do is type in your personal and coverage information as detailed in the form. Once entered, their rating system requests your driving and credit reports and returns pricing information. Online price quotes makes it easy to compare insurance prices but the work required to visit many different websites and enter the same data into a form is a waste of time. But it’s very important to compare as many rates as possible if you want to get better auto insurance pricing.

A more efficient way to locate the lowest prices requires only one form to get prices from multiple companies. This type of form saves time, reduces the work, and makes online shopping much simpler. Once the form is submitted, it is quoted and you are able to buy your choice of the returned quotes.

If a lower price is quoted, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and may result in a nice savings.

In order to find out how much you’re overpaying now, click here to open in a new tab and fill out the form. If you have your current policy handy, we recommend you enter the limits and deductibles just like they are on your policy. This makes sure you will have comparison quotes based on identical coverages.

You may qualify for discounts

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts that may be available.

  • Military Rewards – Being deployed with a military unit could be rewarded with lower premium rates.
  • Safety Restraint Discount – Using a seat belt and requiring all passengers to fasten their seat belts could save 15% on the premium charged for medical payments and/or PIP.
  • Safety Course Discount – Taking part in a driver safety course could earn you a small percentage discount and easily pay for the cost of the class.
  • Waiver for an Accident – This one isn’t a discount, but companies like Allstate, Progressive, and Geico will let one accident slide without the usual rate increase so long as you haven’t had any claims for a set time period.
  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on Grand Prix insurance compared to accident prone drivers.

Policy discounts save money, but most credits do not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. Just because you may think adding up those discounts means a free policy, it doesn’t quite work that way.

A few of the larger companies and a summarized list of policyholder discounts can be read below.

  • Mercury Insurance discounts include low natural disaster claims, multi-car, anti-theft, good driver, and multi-policy.
  • Farmers Insurance may include discounts for early shopping, switch companies, good student, electronic funds transfer, teen driver, and bundle discounts.
  • Farm Bureau has discounts for 55 and retired, multi-vehicle, renewal discount, safe driver, driver training, and multi-policy.
  • State Farm offers discounts for good student, Drive Safe & Save, anti-theft, accident-free, driver’s education, safe vehicle, and good driver.
  • Allstate may have discounts that include anti-theft, good student, defensive driver, premier plus, anti-lock brakes, teenSMART discount, and new car.
  • Geico may offer discounts for anti-lock brakes, five-year accident-free, multi-vehicle, federal employee, air bags, and driver training.

Double check with each company which discounts can lower your rates. All car insurance discounts might not apply in your area. If you would like to see a list of insurers that offer some of these discounts, click here.

There’s no such thing as the perfect insurance policy

When buying proper insurance coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that can aid in determining if you will benefit from professional help.

  • Do I have coverage for damage caused while driving under the influence?
  • What is the ISO rating for a 2005 Pontiac Grand Prix?
  • Am I covered if hit by an uninsured driver?
  • What vehicles should carry emergency assistance coverage?
  • When does my teenage driver need to be added to my policy?
  • Do I have coverage when using my vehicle for my home business?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance specifics

Knowing the specifics of your policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages offered by insurance companies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as colliding with a tree, crashing into a ditch, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Auto liability insurance

This can cover damages or injuries you inflict on other’s property or people by causing an accident. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for things like legal defense fees, funeral expenses, loss of income, medical services and repair bills for other people’s vehicles. How much coverage you buy is up to you, but consider buying higher limits if possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as X-ray expenses, surgery, rehabilitation expenses, pain medications and chiropractic care. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as falling objects, theft, fire damage, damage from a tornado or hurricane and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Pontiac Grand Prix.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.